Financial Services
AI Revenue Systems for Financial Services Firms
COMPLIANT CONVERSATIONS.
EVIDENCED EVERY TIME.
In regulated advice, the constraint is not lead volume — it is adviser time and evidencable process. We automate the qualifying and the chasing, and leave every regulated act with your authorised people.
24–48h
From kick-off to live agents
24/7
Enquiry coverage
100%
Conversations transcribed and retained
0
Regulated acts performed by an agent
WHAT ACTUALLY BREAKS.
- Advisers triage their own enquiries and lose productive hours to unqualified ones
- Large client banks go years without a review conversation
- Compliance cannot evidence pre-appointment conversations at scale
- Introducer relationships depend on individuals and decay when they leave
THE BUYING JOURNEY.
01
Trigger
Retirement, inheritance, business sale, remortgage or a change in circumstances.
02
Research
Search, directories, reviews and — most often — a referral from a trusted professional.
03
Discovery
Initial conversation on assets, objectives and eligibility. No advice yet.
04
Advice and onboarding
Fact-find, suitability report, implementation. Long, document-heavy, human throughout.
THE WORKFLOWS.
Enquiry triage
- 1.Enquiry received on any channel
- 2.ARIA captures objective, approximate assets or loan size, timescale and location
- 3.Out-of-scope enquiries declined politely with a signpost
- 4.In-scope enquiries booked to the right adviser by specialism and capacity
- 5.Transcript and summary written to the CRM for compliance
Client-bank review cycle
- 1.Review dates and last-contact dates identified in the CRM
- 2.Consent and servicing agreement status checked first
- 3.HERALD invites the client to book a review
- 4.Bookings land in adviser diaries; declines and opt-outs recorded
Document chasing
- 1.Outstanding items flagged after an appointment
- 2.Scheduled reminders sent within your tone and frequency rules
- 3.Sensitive documents collected through your own secure portal, never the agent
- 4.Case owner alerted when the file is complete or has stalled
SYSTEMS & CHANNELS.
Common CRM systems
- Intelliflo
- Salesforce Financial Services Cloud
- Curo
- HubSpot
- Iress
Acquisition channels
- Professional introducers
- Existing client referrals
- Paid search on advice and lending terms
- Seminars and content
- LinkedIn for commercial lending
Integrations we connect
- Back-office system (Intelliflo, Curo, Iress)
- CRM
- Adviser calendars
- Secure client portal for documents
- Telephony with recording
- Compliance archive
Third-party product names are the trade marks of their owners and are listed because they are common in this sector — not to imply a partnership or certification. Where a platform has no open API we say so before we start.
KPIS THAT MATTER HERE.
- Enquiry to booked appointment rate
- Adviser diary utilisation
- Dormant clients re-engaged
- Cost per new client acquired
- Cases stalled on outstanding documents
EXAMPLE ROI MODEL.
Formulas, not forecasts. Run them on your own figures — nothing below is a guaranteed or measured result.
- Adviser time released
- Triage and chase hours removed × loaded adviser cost per hour
- Capacity effect
- Hours released ÷ average hours per client engagement
- Revenue effect
- Additional engagements × average initial and ongoing fee
- Net position
- Revenue effect + time released − platform cost
PROOF, HONESTLY.
Xiilio Ltd was incorporated on 23 January 2026 and publishes no case study for this sector. Rather than borrow someone else's numbers, here is exactly what we measure in an engagement — from your systems, against your baseline.
- Baseline of enquiry conversion and adviser utilisation before go-live
- Complete conversation records supplied to your compliance function
- Source-of-business reporting reconciled with your back office
WHAT YOU'RE PROBABLY THINKING.
"The FCA will not like it."
The agent performs no regulated activity. It gathers information and books appointments, with every word scripted, approved and logged. Any promotion is signed off by your compliance function.
"Our clients are high net worth and expect personal service."
Then the agent should be near-invisible: scheduling, reminders and admin. The relationship stays with the adviser.
"We cannot risk a vulnerable client being mishandled."
Vulnerability detection stops the flow and hands to a named human immediately. That behaviour is tested before launch.
GUARDRAILS.
Compliance
- FCA Consumer Duty-aware scripting; information gathering only, never advice
- Financial promotions reviewed and approved by your compliance function before use
- Vulnerable-customer indicators flagged and escalated to a human immediately
- Records retained to your retention policy with full transcripts
Security requirements
- UK/EU data residency and encryption throughout
- Least-privilege access with named users and MFA
- Special-category and financial data minimised
- Retention set to your regulatory policy
- Immutable audit trail per interaction
Human approval required
- Compliance sign-off on all scripts and financial promotions
- No advice, recommendation or illustration from an agent
- Vulnerability escalation to a human, always
- Client-bank campaigns approved before each send
Xiilio holds no sector certification or regulatory approval, and nothing here transfers your regulatory responsibility to us. See Responsible AI for the full governance framework.
Frequently Asked
FINANCIAL SERVICES, EXPLAINED.
Straight answers on scope, compliance and how Xiilio deploys for financial services.
- Is an AI agent allowed to speak to our clients?
- An agent can gather information and arrange appointments. It cannot advise, recommend, or make a financial promotion. Any communication that could constitute a promotion is written by us and signed off by your compliance function before it is used.
- How do you evidence what was said?
- Every conversation produces a transcript, a summary and an append-only audit entry with the agent version used. Those records sit in your systems as well as ours.
- What happens with a vulnerable client?
- Detected indicators stop the qualification flow and hand to a named human immediately, with the flag written to the record.